Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 9.2. Weak liquidity 2.2, driven by a liquidity ratio of 17.6 percent and a “hot money” ratio of 3.9 percent.
Asset Mix:
Comm loans (33%), cash (15%), home mtgs (13%), consumer loans (7%), securities (5%), comm re (5%), home eq lns (1%), other (21%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
TransPecos Financial Corp.
Investment Rating
--
Address
217 West Third Street
Pecos, TX 79772
Pecos, TX 79772
Phone Number
(877) 445-9550
Year Founded
1924
FDIC Number
Website
Largest Affiliates
No affiliate information available.